Migration of Corporate Payments from Check to Electronic Format: A Report on the Current Status of Payments
1998年TMA调查发现，政府强制要求是推动企业采用电子支付的主要动力，而供应商能力不足和系统整合成本是主要障碍，电子支付能降低成本并改善现金流预测。
The Treasury Management Association (TMA) conducted a survey early in 1998 to identify the barriers to, benefits of, and incentives for converting corporate paper check payments to electronic forms (ACH and EDI). The results reveal federal and state mandates (e.g., for tax payments) to be the most common incentives for organizations to adopt electronic payments. The biggest barriers to further expansion is lack of vendor (trading-partner) capability to receive electronic payment accompanied by remittance information, lack of systems integration, and costs of additional technology. The most important benefits are lower costs, certainty of payment date, and improved cash-flow projections.